How can high-risk professionals protect themselves? Mainly focus on these 3 points

Accidents are everywhere, especially in high-risk occupations, so people in high-risk occupations must equip themselves with appropriate insurance. The probability of accidents for people in high-risk occupations is relatively higher than that of the general population, so they must To pay attention to it, let’s start with a recent piece of news.

Case details:

Xiao Wang is a construction worker who was recently assigned to work in a hotel. While welding the artificial waterfall equipment at the entrance of the hotel, he was unfortunately electrocuted and fell into coma. The final verdict was that Received ninth degree disability. This had a great impact on Xiao Wang's future economic income. Xiao Wang received compensation from his employer and requested that the hotel also provide partial compensation. At the time of the incident, the hotel's electrician Xiao Zhang turned on the power of the welding machine and asked Xiao Wang to start welding. Xiao Wang was electrocuted just when he was trying to straighten the metal pipe. Xiao Wang believed that the hotel did not provide a safe construction environment, so he hoped that the hotel would also provide compensation. The hotel stated that Xiao Wang was sent to work by his employer, and an accidental injury occurred during the work process. This was a work-related injury, not an ordinary civil dispute, and must be adjusted in accordance with the labor law. Moreover, Xiao Wang was not a welder, and there was no Professional qualification certificates are not a problem with the hotel's construction environment. No financial compensation will be given to Xiao Wang. In the end, the matter went to court. The final judgment of the court was that first of all, Xiao Wang suffered a work-related injury. If the same work-related injury involved both commercial insurance compensation or civil compensation, the civil compensation, commercial insurance compensation, and social work-related injury insurance compensation Processed in sequence. Xiao Wang does not have a professional license, so Xiao Wang himself has to bear the primary responsibility, and the hotel bears the secondary responsibility. The court ordered the hotel to pay Xiao Wang more than 20,000 yuan in compensation.

Case analysis:

In this case, Xiao Wang did high-risk work such as welding without a professional employment certificate, and he must bear the main responsibility. All walks of life in our industry should standardize their work and work in a legal, compliant and safe environment. At the same time, Xiao Wang has never purchased insurance products such as life insurance or critical illness insurance. He has no way to obtain large compensation after an accident. When he is severely disabled and unable to work, his source of income is interrupted and his subsequent life is not guaranteed. , and have to bear their own part of the high medical expenses. It can be seen that having a suitable insurance is our solid backing in unexpected situations.

How to choose insurance for high-level occupations:

People in high-risk occupations need insurance very much, but insurance is very difficult to buy because they have a higher risk of accidents, and most insurance companies are unwilling to provide insurance. Its coverage. Therefore, insurance companies will impose certain restrictions on some high-risk occupational groups or people with abnormal health. Generally, we divide the degree of occupational danger into 6 levels. There is also the highest risk category of denial of insurance.

We will not discuss the non-insurance category for the time being, because this type of occupation is relatively special, such as war correspondents, racing drivers, etc.

So before purchasing an insurance product, you must first distinguish which category you belong to.

Accident insurance for specific high-risk practitioners: Accident insurance is the insurance with the lowest threshold among our common insurance products, but among high-risk occupational groups, this is very strict. It is more troublesome for professional groups above Category 4 to purchase accident insurance. For high-risk occupations, the range of accident insurance options is limited. Specific accident insurance for high-risk practitioners can be considered. They are relatively friendly to practitioners in high-risk occupations in terms of coverage and occupational restrictions.

Life insurance: For high-risk occupational groups, life insurance must be configured, and the insured amount must be sufficient. The risk of death in high-risk occupations is higher than that of ordinary people. If an accident occurs, having a life insurance policy with a sum insured of one million yuan can at least provide adequate financial compensation to the family.

Critical illness insurance: sufficient insurance coverage, complete protection, and attention to your own health risks. Long-term work and poor working environment may easily lead to overwork or occupational diseases. However, the body can easily collapse after long-term fatigue, resulting in the inability to work and interruption of the source of income. A critical illness insurance provides a one-time compensation, so that you will not be unable to afford the treatment costs, and it can also supplement part of the recovery and living expenses after the treatment. When applying for insurance, you should analyze health risks based on your occupational characteristics and select products in a targeted manner.

Million-dollar medical insurance: Paying attention to cost-effectiveness and renewal conditions, Million-dollar medical insurance covers large hospitalization medical expenses. Whether it is due to an accident or hospitalization due to illness, millions of medical insurance can reimburse you.

Millions of medical insurance is generally very cost-effective. High-risk occupational groups have higher accident and health risks, so they can focus on the product’s renewal conditions and supporting special value-added services.

Insurance for high-risk occupational groups is very important, but compared to the general population, there are fewer insurance products and it is more difficult to purchase. At the same time, because accident insurance rates are set based on occupational levels, even if there is accident insurance suitable for people in high-risk industries, the cost will be relatively high. If you have any questions about the configuration of such products, you can search "Baibaojun" on Baidu to provide you with the most professional insurance company to meet all your needs for insurance products.